Call: (619) 954-4756
Hello! I am Maria Jose Vinas. I am here to help you find the right home financing solution. At LoanStream, we offer a wide variety of loan programs including conventional loans, FHA, VA and USDA mortgages. We have also designed a truly unique, proprietary suite of programs designed for borrowers who may not qualify for traditional channels. Our NanQ solutions are geared to help those who need our ‘out of the box’ underwriting. Click on the NanQ button to see some of our most popular products.
LoanStream offers home financing solutions to home buyers and homeowners in 30 States and counting. We have wide variety of purchase and mortgage refinancing products including conventional fixed rate and adjustable rate loans, government backed FHA, VA and USDA loans, jumbo mortgages, and harder to find programs designed for borrowers who may not qualify through more traditional channels.
Call us today to experience the LoanStream difference.
Explore Our Programs / (619) 954-4756
Fixed Rate Mortgages
The beauty of fixed rate mortgages is that the interest rate never changes, no matter what. That means borrowers’ monthly mortgage payments are more stable, more predictable, and can help them financially plan out their entire year. However, a fixed rate mortgage also means that a borrower’s rate will stay put, even if rates go down. Therefore, in order to take advantage of dropping mortgage rates, a fixed rate borrower would need to refinance.
To determine if a fixed rate mortgage is the best option for your home financing needs, contact us today for more information and a complimentary rate quote.
Adjustable Rate Mortgages
Many people are drawn to adjustable rate mortgages (ARMs) due to the fact that they generally offer low introductory mortgage rates that remain in place for a certain period of time. However, the introductory rate period is only temporary and after that term expires, the mortgage rate on an ARM can adjust. This can make ARM loans a more affordable option in the short term, but a more risky home financing choice in the long run.
Talk to an experienced loan officer to help determine whether an ARM is right for you.
FHA & VA Options
LoanStream is pleased to offer government backed FHA and VA home loan solutions. FHA loans offer home buyers the ability to purchase real estate with less money out of pocket than what is available through most conventional products. For those currently with FHA loans, refinancing with a FHA streamline mortgage can potentially lower your interest rate with low closing costs.
VA loans are available to eligible military veterans and qualifying surviving spouses. VA loans often require little to no money down and have less restrictive underwriting guidelines when compared to other traditional financing solutions. Contact LoanStream today to see if a FHA or VA loan is right for you.
Whether you’re purchasing a luxury estate in the country, a posh oceanfront condo, or a large multi-unit investment property, a jumbo loan can cover your home financing needs when conventional loan limits cannot. At LoanStream, we have access to a wide variety of loan products, including jumbo mortgages for loans that exceed the conforming limits.
Talk to one of our experienced and professional loan officers for more information and to receive a complimentary rate quote.
I’m here to help answer your questions and find the right financing solution for your individual needs. Contact me today for a free, no obligation consultation.
Let’s Talk: (619) 954-4756
Finally decided to refinance my home. I chose OCM Bancorp and was impressed by how quick and easy the entire process was. Everyone I came in contact with at OCM was friendly and helpful…Definitely would recommend them to friends and family.
Call Maria today at (619) 954-4756